1405 Gemstone Ln, Chesapeake, VA 23320 Property Records

Chesapeake City property record for 1405 Gemstone Ln, Chesapeake, VA 23320

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,713 sqft · built 2020
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$511,029 (Apr 2021)
Tax Bill	$6,397 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
APN	`0492007000020`

Property Details

APN / Parcel Number

Primary APN	`0492007000020`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,713 sqft Living Area
1st Floor Area	2,029 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1405 GEMSTONE LN
City	CHESAPEAKE
State	VA
Zip	23320-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10: RESID
Legal Description	2 GREENBRIER STATION
Legal Subdivision	ALBEMARLE RIVER, GREENBRIER STATION
Jurisdiction	CHESAPEAKE CITY VA
Township / Civil Division	CHESAPEAKE
Census Block Group	3
Census Block	3018
Census Tract	20804

Owner

1405 Gemstone Ln is owned and occupied by two individuals who bought it in April 2021.

Source: Chesapeake City records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1405 GEMSTONE LN, CHESAPEAKE, VA 23320-3014
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on File
Deed Sale	Apr 9, 2021 · Amount on File
Deed Document Number	202116717
Deed Book / Page	10349 / 1874
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESAPEAKE CITY VA
Recording Date	Apr 9, 2021
Property Address	1405 GEMSTONE LN, CHESAPEAKE, VA 23320-3014
Document Number	10349/1874
Book / Page	10349 / 1874
Instrument Date	Mar 31, 2021
Instrument	210016717
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	TITLEQUEST AGENCY INC, TITLEQUEST

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 GEMSTONE LN, CHESAPEAKE, VA 23320-3014

Mortgage

Document Number	210016718
Date	Apr 9, 2021
Instrument	210016718

Lender

Name	TIDEWATER HOME FUNDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Gemstone Ln was $6,397.

Source: Chesapeake City assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Virginia
Municipality	Chesapeake City
Unified School District	Chesapeake City Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$651,300 (+2.83%) Land $195,000 Building $456,300	$651,300 (+2.83%) Land $195,000 Building $456,300
2025	$6,397.00	$633,400 Land $185,000 Building $448,400	$633,400 Land $185,000 Building $448,400
2023		$598,500 (+22.77%) Land $185,000 Building $413,500	$598,500 (+22.77%) Land $185,000 Building $413,500
2022		$487,500 Land $160,000 Building $327,500	$487,500 Land $160,000 Building $327,500
2019	$1,365.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 1405 Gemstone Ln; there have been 23 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 18 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	23 (1998–2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Irene, Aug 2011 · 6 claims Severe Storms And Flooding Associated With Tropical Depression Ida And A Nor'east, Nov 2009 · 8 claims Hurricane Isabel, Sep 2003 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1405 Gemstone Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 59% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF CHESAPEAKE - NORTHWEST RIVER SYS serves 165,240 people · EPA ID VA3550051
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20